The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$88,017
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,755
−HK$2,782/mo
Today · 4.125%
HK$93,537
baseline
▲ 0.50% · 4.625%
HK$99,228
+HK$5,691/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,074/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,918
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,544
−HK$2,664/mo
Today · 4.125%
HK$103,208
baseline
▲ 0.50% · 4.625%
HK$108,649
+HK$5,441/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,416/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,621
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,906
−HK$3,338/mo
Today · 4.125%
HK$112,244
baseline
▲ 0.50% · 4.625%
HK$119,074
+HK$6,830/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,488/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,502
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,653
−HK$3,197/mo
Today · 4.125%
HK$123,850
baseline
▲ 0.50% · 4.625%
HK$130,378
+HK$6,528/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,700/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,224
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$127,057
−HK$3,894/mo
Today · 4.125%
HK$130,951
baseline
▲ 0.50% · 4.625%
HK$138,919
+HK$7,968/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,902/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,086
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,762
−HK$3,730/mo
Today · 4.125%
HK$144,492
baseline
▲ 0.50% · 4.625%
HK$152,108
+HK$7,616/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,984/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,431
−HK$9,935/mo
▼ 0.25% · 3.875%
HK$163,359
−HK$5,007/mo
Today · 4.125%
HK$168,366
baseline
▲ 0.50% · 4.625%
HK$178,611
+HK$10,245/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$336,732/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,253
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$180,980
−HK$4,795/mo
Today · 4.125%
HK$185,775
baseline
▲ 0.50% · 4.625%
HK$195,568
+HK$9,793/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$371,550/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,487 · Scale 2, in force from 26 Feb 2026)